What is a PPF Calculator?
A PPF (Public Provident Fund) Calculator projects your PPF corpus at maturity. PPF is a government-backed EEE (Exempt-Exempt-Exempt) savings instrument with a 15-year lock-in. The calculator accounts for annual contributions, the current 7.1% interest rate, and investment timing to project your final tax-free corpus.
Benefits of Using Rupee Logic PPF Calculator
EEE Tax Status
PPF is one of the few EEE investments — contributions (80C), interest, and maturity are all completely tax-free.
Tax Savings
Calculate exactly how much tax you save every year under Section 80C by investing the maximum ₹1.5 lakh in PPF.
Extension Planning
Plan corpus for 15, 20, 25, or 30 years by simulating extensions in 5-year blocks after initial maturity.
Timing Advantage
See how investing before the 5th of April versus after earns you a full extra year of interest — significant over 15 years.
Frequently Asked Questions — PPF Calculator
The PPF interest rate for FY 2024-25 is 7.1% per annum, compounded annually. The rate is declared by the Government of India each quarter and has remained stable at 7.1% since April 2020. Historically, PPF has offered rates between 7.1% and 12% since the 1980s. The rate is generally higher than bank FD rates while offering full tax exemption.
Minimum PPF deposit: ₹500 per financial year. Maximum: ₹1,50,000 per financial year. Deposits can be made as lump sum or up to 12 instalments per year in multiples of ₹50. If you skip a year or invest below ₹500, the account becomes dormant and must be revived by paying ₹50 penalty per year of default plus the minimum ₹500 deposit.
Partial withdrawal is permitted from the 7th financial year onwards. The maximum withdrawal is 50% of the balance at the end of the 4th preceding year or the end of the preceding year, whichever is lower. Full balance can only be withdrawn at maturity after 15 years. Loan against PPF is available from Year 3 to Year 6 at 1% above the PPF rate.
After 15-year maturity, three options: withdraw the full corpus tax-free; extend for 5 years without further contributions where the balance earns interest at the current PPF rate; extend for 5 years with continued contributions subject to the ₹1.5L annual limit (must declare intent within 1 year of maturity). Extensions can be done in 5-year blocks indefinitely with full tax benefits.
PPF is one of the safest investments in India — a Government of India scheme with sovereign guarantee. No private company or bank risk. The capital is completely safe. Even if a bank fails, PPF deposits are Government of India obligations and are fully protected. Returns are tax-free and risk-free, making PPF ideal for the guaranteed debt portion of any investment portfolio.